Looking at first-time homebuyer loans, is an FHA 3.5 percent down payment option better long-term than a conventional 97 loan when factoring in current PMI rates?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Looking at first-time homebuyer loans, is an FHA 3.5 percent down payment option better long-term than a conventional 97 loan when factoring in current PMI rates?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 FHA mortgage insurance premium rates 3.5% down conventional 97 PMI rates current credit score comparison Google ↗
2026 conventional PMI rates by credit score 97 LTV mortgage insurance average rate Google ↗
- FHA Mortgage Insurance (MIP): How It Works and What It Costs · wellsfargo.com
- FHA Vs. Conventional Loans: What's The Difference? · bankrate.com
- FHA vs Conventional Loan · themortgagereports.com
- How Much Does Private Mortgage Insurance (PMI) Cost? · valuepenguin.com
- How Much Does Private Mortgage Insurance (PMI) Cost? · experian.com
- FHA Mortgage Insurance · nerdwallet.com
- What is mortgage insurance and how does it work? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA mortgage insurance premium rates 3.5% down conventional 97 PMI rates current credit score comparison OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
2026 conventional PMI rates by credit score 97 LTV mortgage insurance average rate OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |